Frequently Asked Questions

Insurance is an expense that we hope we never need to use.  Although you may think you won't need it, medical bills can be devestating to anyone.  We do not want you to have the pressure of financial insecurity should you have an emergency that results in thousands of dollars of unexpected medical bills.

It is a requirement of the university that all international students participate in the student health program and domestic students who are enrolled at half-time status or more must either enroll in the student health plan or be insured by a policy that covers accidents and illness. Since many students are away from home for the first time it is important that there is some way to pay for these unexpected needs when or if they arise.

Currently, all international students are required to enroll in the student health insurance plan.  Waivers are no longer accepted with the following exceptions:

1. Canadian Students

2. Students who are sponsored by an employer or government and can provide proof of the insurance coverage.

3. Students who may have a US based group health plan through a parent or spouse. 

Before you begin, be sure to know your Andrews ID number and take a photo of the front and back of your insurance card to upload.

You will need to complete the waiver form and upload a photo of your insurance card when you register online at registration central. Please make sure that you accurately complete all necessary insurance information, based on your current coverage. 
Please note:

1. Some insurance policies are not valid outside the state where they were issued. Please check on this with your insurance carrier before you attempt to use their policy as proof.
2. Some insurance covers at a much reduced rate outside of your coverage area. Make sure that if this is the case with your policy that the coverage amounts are sufficient.
3. Medicaid from states other than Michigan is not accepted by health providers except for emergencies. Out of state Medicad policies will not provide the insurance coverage necesary to prevent financial devestation in the event of a medical emergency.

Any exceptions to the student insurance registration waiver process must be done by contacting the Student Insurance Office by email - stuins@andrews.edu 

Domestic students will not be able to complete registration without either purchasing a policy, or, uploading a photo of their current insurance information.

When you registered, and chose to purchase the Student Insurance Policy, the dates of the coverage should have been listed. Your student insurance choice should still be available to view when you visit Registration Central. If you are still uncertian or have questions about your coverage,  you may email stuins@andrews.edu for further clarification.

1. For international students (F and J visa holders), there is no option to waive the student health plan unless you are: a Canadian student, a sponsored student who is covered by an employer based health insurance, sponsored by a government that has provided proper documentation of your coverage.
2. For domestic students, your coverage should provide the following:
3. Unlimited maximum benefit for both accident and illness.
4. If you take a policy with a deductible, this must be less than or equal to $2,500  per individual.
5. No internal limits on Inpatient or Outpatient benefits.
6. Co-insurance of 80% in network and 75% out-of-network.  Domestic students can have 60% out-of-network).
7. Policy should cover the following with no limits or waiting periods:

•         Physician office visits          
•         Preexisting conditions
•         Mental health
•         Maternity
•         Prescription Drugs (co-pay better than or equal to 50% of charges)

6. Coverage of any dependents is optional for U.S. citizens and permanent residents.
7. Policy to remain in effect for the entire academic year.

All claims should be submitted directly from the physician/hospital to AETNA.  The relevant information will be found on your insurance card.  

The customer service phone number is 888-407-0427.

You will find additional information regarding claims and benefits at: https://andrews.myahpcare.com

You may receive a questionnaire from the insurance company after you vist the doctor to ask you if your condition is pre-existent or an injury. You have to make sure that you respond to that letter so that your claims can be processed.